Turn thin margins into sustainable profit.
The average IMB earns just $443 per loan in net production profit — a 10-basis-point margin. With 67% of production costs tied to personnel, automation is the fastest path to stronger economics and better pull-through rates.
Scales with your volume
Why IMBs Choose Pasaana
Built for high-volume operations
Reduce the labor-intensive components of origination while improving loan quality and audit readiness.
Improve Per-Loan Profit
With average IMB net production profit at just $443 per loan, even modest cost reductions have a massive impact on your bottom line.
Volume Elasticity
AI processing scales with volume. When originations drop, costs drop. When they surge, the platform scales without recruiting delays.
Faster Closings
Automated eligibility and condition generation in minutes. When borrowers have locks at multiple lenders, the fastest closer wins the deal.
Better Loan Sale Execution
Real-time, immutable records and complete audit trails give buyers higher confidence in the file, supporting tighter pricing on whole loan sales.
Reduced Repurchase Risk
Consistent rule application and blockchain-backed records across every file reduce defect rates and provide documented evidence.
Fair Lending Compliance
Every decision includes documented objective factors. Automated adverse action notices and bias monitoring support ECOA and HMDA requirements.
AIDA-Powered Underwriting
Your underwriting pipeline, automated
AIDA orchestrates every underwriting decision — from document intake through risk decisioning to immutable record creation. No human coordinator required.
Documents arrive
Borrower documents arrive via API from your LOS, through Pasaana's white-label borrower app, or via bulk upload — then processing happens in the Pasaana Portal.
AIDA dispatches agents
Specialist agents verify income, assets, liabilities, and employment via Dual-LLM Consensus.
Decision rendered
Risk scoring, compliance checks, and conditions generated. Approve, deny, or conditional.
Record anchored
Every decision and artifact recorded on immutable blockchain. Full audit trail from day one.
Graduated trust: You choose AIDA's starting autonomy level. Increase as confidence grows — every step requires your approval.
Side-by-Side
Traditional origination vs. Pasaana
See what this means for your institution
Your Margin Impact Timeline
Speed-to-close drives immediate savings on warehouse carry and rate locks. See how the value compounds as AI underwriting optimizes your full pipeline over 24 months.
Estimated First-Year Net Savings
up to $4.3M
net of platform costs
~$850/loan savedYear 2 Run-Rate
$5.6M
at full realization
Break-Even
Month 1
cumulative net positive
Immediate Impact
~$875K
- Warehouse carry savings from faster close
- Fewer rate lock extensions
- AI underwriting reduces cycle time
- Immutable audit trail from day 1
Pipeline Gains
~$3.8M
- Pull-through rate improvement
- Fewer fallouts from faster decisions
- Underwriter capacity gains
- Reduced conditions and re-touches
Full Optimization
~$5.6M/yr
- Fulfillment cost reduction realized
- Staff redeployed to higher-value work
- Full data-driven pipeline management
- Measurable per-loan margin improvement
Estimates based on industry benchmarks (MBA, Freddie Mac). Actual results vary by loan mix, operational maturity, and market conditions. Contact us for an analysis tailored to your organization.
Recommended Stack
The IMB stack
Start with AI Underwriting. Add capabilities as you grow. AIDA orchestrates everything from day one.
AI Underwriting
Module A — Primary
Automates document intake, income/asset/liability verification, compliance checks, and risk decisioning. Produces approve, deny, or conditional decisions with full audit trails. Appraisal review during origination is part of Module A for underwriting clients who use that capability.
AIDA
Command Center
Orchestrates the entire underwriting pipeline. Routes documents, manages processing queues, validates cross-agent data consistency, and handles exceptions.
AI Property Monitoring
Module E
Post-funding collateral surveillance. Monitors insurance, liens, hazards, and property values across your active portfolio. AVM surveillance detects value trends.
AI Servicing Automation
Module D
For lenders that retain servicing. AI-powered payment tracking, escrow analysis, investor reporting, and compliance monitoring.
See the margin impact on your loans
Ready to see it on your loans?
Get a custom ROI analysis for your institution. See how AIDA and our AI modules can transform your mortgage operations.